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The risks of being an uninsured driver can vary from state to state. Driving without auto insurance can end up being very costly if you become involved in an accident.
A number of U.S. states won't even issue you a license without proof on insurance and carry minimal coverage amounts that meet their minimal state requirements. In many states, it is simply considered a criminal offense to drive without insurance. You may even be jailed in some states if caught while driving without proper auto insurance.
Other states will automatically suspend your license and impose fines which can be quite steep. You may not get your license back until you pay off those fines and provide coverage.
Additionally, some states limit the amount the damages you can receive if you are involved in an accident. An uninsured driver may be prohibited from seeking damages for pain and suffering even when the person was not liable for having caused the accident in the first place.
In other states, the uninsured driver could be deemed financially responsible for any and all of the damages if they are found liable for the accident. This is especially true in a state which has no-fault insurance but limits the liability for insured drivers who may only be responsible for a specified or capped amount.
The biggest financial headache faced by uninsured motorists is that when they are involved in an accident they will have to use their own financial resources to pay for legal representation. This could be to either offer a defense or to get recovery from the other party's insurer. You will not have the backing and resources which an insurer offers to its policy holders to limit your out of pocket expense.
Additionally, if a judgment is imposed against an uninsured river, you may not be able to get your license back until the imposed judgment has been paid. In a major accident where you are At Fault, the results can entail a considerable financial burden in the hundreds of thousands of dollars or much more. You could well be forced in having to declare bankruptcy as a result.v
Another drawback to being uninsured is that even if you win a judgment in your favor, you will have the added difficulty and expense of trying to recover the judgment.
What else can I help you with?
Do you really need uninsured motorist coverage?
They always say you never need insurance until you have not got it! Insurance covers your risks, each person develops their own view regarding what risks are acceptable and what risks need doing something about. It is up to you to decide if you need uninsured driver cover. But if you decide not to take it and get hit by an uninsured driver, the only person to moan at (apart form the criminal uninsured driver) is yourself!.
If an uninsured driver wrecks the car of an insured driver is the uninsured driver still responsible?
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
What happens if an Uninsured driver hits another uninsured driver?
Uninsured driver hits another uninsured driverYour both out of Luck, Neither of you have insurance. Both drivers will likely be fined and both drivers will likely have their drivers license suspended.
What happens when an uninsured driver borrows a friend's uninsured car and gets into a wreck?
Both the uninsured driver and the friend are in trouble. My GUSS IS the uninsured friend will be liable to any damages he has caused The uninsured friend will be responsible for the damages to their car If insurance is required in your state, the uninsured friend and/or driver could face criminal charges
What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
What is Uninsured motorist protection?
Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.
If an insured truck driver from another state hits an uninsured motorist will the insured truck driver's insurance pay the expenses of the uninsured person?
Only if the truck driver was at fault.
I was recently hit by an uninsured driver, is there an accident lawyer in Sacramento, CA that can help me?
Hopefully, you have uninsured driver protection. If there was physical injury to you or passengers in your car, a personal injury lawyer may be interested, but only if the uninsured driver has assets that justify the lawsuit. If the driver has nothing, there's no point in suing him.
What is an uninsured motorist endorsement?
An uninsured motorist endorsement is an added insurance policy for motorists. It covers injuries that have resulted from a collision by an uninsured driver.
Driver of an uninsured care?
You must clarify the question.
